Ask Rusty

Dear Rusty: A friend told me about what he believes is a strange thing in the Social Security system. His wife reached her full retirement age (FRA) of 66 several…

Dear Rusty: You’ve said in the past that most people recoup their SS contributions within five years of starting benefits, thus Social Security “is an exceptionally good deal.” Your calculation is…

Dear Rusty: I reached full retirement age back in June, but I have not yet filed to collect Social Security. My husband currently collects SS funds, and he waited until…

Dear Rusty: I will be retiring early next year but my question to you is: During the Obama administration, payroll taxes that employees pay were cut in half from 6.2%…

Dear Rusty: Enjoyed your recent article on claiming SS benefits. I feel, however, any decision making should also include what I call the “wearing out” factor. Yes, financial need, health, and longevity…

Dear Rusty: I was born in April 1958, and my plan has been to take my Social Security at age 70. However, my sister-in-law says that it is smarter to…

Dear Rusty: My best friend is going to be 62 and wants to begin taking her Social Security immediately. Her reasoning not to wait is the thought that it is…

Dear Rusty: I hope you can answer this question. I’m currently receiving Social Security Disability benefits, and I will be turning 65 in February 2026. I’m confused as to how…

Like to Retire Early, But Don’t Want SS Reduced Dear Rusty: I will be 65 this year and my husband is 72 (he retired in 2019 at age 66). I…

Dear Rusty: I would like to get an answer concerning taking my Social Security benefit soon and switching to my spouse’s benefit when he begins to take his. I am 64…